Most Americans are very optimistic. They think things will always get better from here, they’ll make more money, they won’t have any emergencies. Credit has become so ingrained in the culture that so many people can’t imagine living without it. Once you decide you’re never going to be out of debt, you can afford anything.
— James Scurlock, author/director; from Lauren Rowley’s article, “Deeper in Debt, Deeper in Denial”